Our process begins by listening to you. This allows us to have a clear understanding of your circumstances and what you want to achieve.

Financial planning is not always straightforward and can be complex with the use of jargon commonplace. Our aim is to help guide clients through the many options available both at the initial stage of the advice process and on an ongoing basis.

Investment Planning

Choosing the right investment strategy involves much more than selecting a product as this is only one piece of the jigsaw. As independent financial advisers we consider the most appropriate strategy for clients across the whole of the market and this can include exposure to or investment in any of the following:

  • ISAs
  • Unit Trusts/OEICs
  • Investment Bonds
  • Structured Products

Retirement Planning

With what seems like relentless changes and amendments to the rules and allowances over recent years and the introduction of pension freedoms, it is now more important than ever to ensure a thorough examination of how you fund for retirement and how you access your pension savings. Some of the options to be considered could include:

  • Personal / Stakeholder Pension Plans
  • Self-Invested Personal Pensions (SIPPs)
  • Pension Withdrawal / Drawdown
  • Annuities

Estate Protection

Having saved hard over the years and built up a value in your estate, which could include your property, savings, investments and other assets, it is important to understand the potential tax that could arise for your beneficiaries in the event of your death. Some of the planning opportunities could include:

  • Discounted Gift Trusts
  • Gift & Loan Trusts
  • Inheritance Tax Schemes
  • Whole of Life Insurance Plans

Protection Planning

Prudent financial planning is not only about investing wisely for your future but also about protecting your and your family’s financial well-being now in the event of death or serious illness. Such planning is equally important for business owners when considering the impact on the continuity of your business.

  • Term Assurance / Relevant Life Plans
  • Critical Illness Cover
  • Income Protection
  • Shareholder/Partnership Protection
The value of investments can fall as well as rise. You may not get back what you invest. The Financial Conduct Authority does not regulate estate planning.